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Motor Trade: 01271 349790
Motor Trade: info@crowthornemt.co.uk
01344 771626
info@crowthorne.co.uk
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What is Non-Standard Home Insurance?

Non-Standard Home Insurance provides cover for properties that may be harder to insure due to their construction type, usage, location, or occupancy status. This includes homes with flat roofs, thatched roofs, listed status, or those that are unoccupied or under renovation.

At Crowthorne, we understand that unique homes require unique solutions. We make insuring non-standard properties straightforward no unnecessary complications or inflated premiums.
 
Not all homes fit the standard mould—and neither should your insurance. If your property is unusual in its build, usage, or occupancy, our Non-Standard Home Insurance is designed to offer tailored protection where standard policies might fall short.
Non Standard homes 1
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On average our customers save over £200 compared to our competitors.

We have placed over 1000 nonstandard house policies in the past year – many of which couldn’t find affordable insurance.

Over 25 years experience in writing non standard house policies.

Same day turnaround on quote in most scenarios.

What types of homes are classed as non-standard?

Non Standard homes

We provide insurance for a wide variety of non-standard properties, including but not limited to:

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What does Non-Standard Home Insurance cover?

We’ll work with you to tailor a policy around your property’s unique features. Coverage can include:

Buildings Insurance

Contents Insurance

Accidental Damage

Legal Expenses

Home Emergency Cover

Alternative Accommodation

Liability cover (for holiday let or rented properties)

Why choose Crowthorne for Non-Standard Home Insurance?

  • We specialise in difficult-to-place risks
  • Access to specialist underwriters and niche markets
  • Fast, knowledgeable support with no runaround
  • Tailored quotes without off-the-shelf pricing
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What Our Customers Say

"Other insurers said no—Crowthorne said yes."
I struggled to get cover for my listed cottage with a thatched roof. Other companies either refused or quoted astronomical prices. Crowthorne understood the risks and worked with me to get fair, realistic cover. The service was personal and straight to the point—exactly what I needed.
In Just Three Steps

Fast, Tailored, and Complete Insurance

Step 1

Quick Contact

Your time matters. Speak directly with an expert in under 30 seconds—no holding, no hassle.

Step 1
Step 2

Tailored Insurance Review

Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.

Step 2
Step 3

Finalise Your Cover

Explore your options and select the policy that best matches your requirements and budget.

Step 3
Independent Insurance Broker

Independent Insurance Broker

UK-Based

UK Based Support

Tailored-Quotes

Tailored Quotes

FCA regulated and Trusted

FCA Regulated & Trusted

Trusted Insurance Partners

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Let’s Talk Insurance On Your Terms

We know insurance can feel complicated  and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.

  Guaranteed callback within 30 mins

  Honest advice from our experts

  Insurance that is tailored to you

Simply fill in the form today and a member of our team will be in touch.
Frequently Asked Questions

Got Questions? We've Got Answers

What is non‑standard home insurance?

Non‑standard home insurance is specialist cover for properties that don’t fit the usual “standard” definition (brick or stone walls with a slate or tile roof). It’s designed for unique homes where standard insurance may be refused or limited.

What happens if my property is unoccupied?

Properties left unoccupied for extended periods (e.g., during renovation, sale, or long‑term absence) usually need non‑standard unoccupied home insurance, as standard policies often become invalid after a set period without residents.

Are barn conversions covered?

Yes, barn conversions and other converted buildings are commonly considered non‑standard and can be insured under a tailored policy.

How do I know if my property is classed as non‑standard construction?

A property is typically classed as non‑standard if it’s built from materials other than traditional brick/stone and slate/tile roof, such as timber frame, steel frame, cob, wattle & daub, or flat roofs. In some cases a professional survey can confirm the construction type.

Testimonials

What Our Clients Say

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Reviews
4.6
★ ★ ★ ★ ★
99 reviews
★ ★ ★ ★ ★
Alfie was excellent. He was able to untangle the situation I had with getting car insurance for my daughter. He saved me loads of time searching and he made sure all details were correct. He also explained ....
— Malcolm
★ ★ ★ ★ ★
Very Happy with service and politeness of Crowthorne Insurance
— Adrian Dixon
★ ★ ★ ★ ★
Very good Alfie, Great service quick offer.
— Neil Storr
★ ★ ★ ★ ★
After receiving a 50% premium increase from our current insurance, I decided to approach BIBA which put me in touch with Crowthorne. Jack called me back in a matter of seconds and gave me a quote for our home building insurance in less than 5 hours! I was pleasantly surprised ...
— Giovanni
★ ★ ★ ★ ★
I contacted Crowthorne after getting an extortionate quote from my Previous insurers, I spoke to Alfie who was fantastic and he got back to me within 30 minutes with a fantastic quote ....
— Darren Cooledge
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Insurance That Won’t Break Your Bank.

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BIBA

Member of the British Insurance Brokers’ Association (BIBA)

We are proud to be a member of the British Insurance Brokers’ Association (BIBA), the UK’s leading trade association for insurance brokers. BIBA membership signifies our commitment to industry best practices, professional standards, and staying informed on the latest developments in the insurance sector.